Kotak Bank Recruitment 2024

Kotak Mahindra Bank, one of India's leading private sector banks, is seeking a dynamic and results-oriented Commercial Loan Officer to join our expanding team. As a Commercial Loan Officer, you will play a crucial role in sourcing, structuring, and closing commercial loan transactions, contributing to the growth of Kotak Bank's commercial banking portfolio. The ideal candidate will possess strong financial analysis, communication, and negotiation skills, a deep understanding of commercial lending principles, and a passion for building long-lasting relationships with corporate clients.

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Responsibilities:

• Identify and prospect potential commercial loan opportunities, generating a pipeline of high-value corporate clients.
• Conduct comprehensive credit analysis, evaluating the financial health, risk profile, and borrowing capacity of potential borrowers.
• Structure and negotiate commercial loan agreements, aligning loan terms with Kotak Bank's lending policies and client requirements.
• Manage the entire commercial loan origination process, from application to disbursement and post-disbursement monitoring.
• Maintain strong relationships with corporate clients, ensuring their satisfaction and fostering long-term partnerships.

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Skills:

• Strong financial analysis and risk assessment skills, with the ability to evaluate financial statements, identify potential risks, and make sound lending decisions.
• Excellent communication and presentation skills, with the ability to effectively present loan proposals, negotiate terms, and communicate complex financial information to both technical and non-technical audiences.
• Strong negotiation and closing skills, with the ability to structure favorable loan terms, address client concerns, and close deals effectively.
• Deep understanding of commercial lending principles, credit risk management practices, and applicable regulatory requirements.
• Proficiency in financial modeling software, such as Excel and Bloomberg Terminal.